Profit on Pakistan National Saving Schemes

ISLAMABAD: The federal government has revised upwardly the rates of profit on National Saving Schemes (NSS) instruments with effect from 1st October 2013. Updated profit rates effective from JUNE-2016 are as under;

For detailed information please  click below link

http://savings.gov.pk/index.asp

 

 

PROFIT RATES – DEFENSE SAVING CERTIFICATES (DSC)

Historical Rates Remained Applicable On Defense Savings Certificates From 25th November, 1993 Onwards

Effective PeriodRate
(% p.a.)
Payable Amount (Principal + Profit ) On Investment of Every Rs.100,000/- On Completion Of
FromTo1st Year2 Years3 Years4 Years5 Years6Years7 Years8 Years9 Years10 Years
25-Nov-9312-Nov-9616.00%113,000    128,000    147,000    170,000    198,000    232,000    272,000    319,000    375,000441,000
13-Nov-9613-May-9918.04%114,500    132,000    153,000    178,000    208,000    246,000    294,000    354,000    429,000525,000
14-May-9931-Dec-9915.97%112,000    130,000    150,000    172,000    200,000    232,000    270,000    316,000    380,000440,000
01-Jan-0030-Jun-0015.01%111,000    128,000    146,000    166,000    192,000    221,000    253,000    295,000    352,000405,000
01-Jul-0030-Jun-0114.01%109,000    121,000    138,000    157,000    184,000    210,000    238,000    275,000    322,000371,000
01-Jul-0131-Dec-0115.01%110,000    123,000    142,000    162,000    192,000    221,000    254,000    295,000    348,000   405,000
01-Jan-0230-Jun-0214.13%109,000    121,000    138,000    157,000    184,000    210,000    238,000    275,000    322,000   375,000
01-Jul-0231-Dec-0211.61%107,000    115,000    124,000    135,000    149,000    165,000    186,000    210,000    250,000   300,000
01-Jan-0330-Jun-0310.03%106,000    113,000    121,000    130,000    140,000    154,000    171,000    192,000    222,000   260,000
01-Jul-0331-Dec-038.50%105,000    111,000    118,000    126,000    135,000    145,000    157,000    174,000    197,000   226,000
01-Jan-0421-Jun-047.96%104,000    109,000    114,000    120,000    127,000    138,000    150,000    165,000    188,000   215,000
22-Jun-0430-Jun-047.96%104,000    109,000    114,000    120,000    127,000    138,000    150,000    165,000    188,000   215,000
01-Jul-0430-Jun-058.20%104,000    109,000    115,000    120,000    130,000    139,000    150,000    166,000    189,000   219,000
01-Jul-0505-Jun-069.46%105,000    112,000    119,000    128,000    138,000    150,000    163,000    183,000    211,000   247,000
05-Jun-0622-Jun-0710.03%106,000    113,000    121,000    130,000    140,000    154,000    171,000    192,000    222,000   260,000
23-Jun-0723-Jun-0810.15%107,000    116,000    126,000    138,000    151,000    166,000    184,000    206,000    232,000   263,000
24-Jun-0830-Sep-1012.15%108,000    118,000    129,000    142,000    158,000    177,000    201,000    230,000    265,000   315,000
01-Oct-1031-Dec-1012.60%108,000    117,000    128,000    140,000    158,000    180,000    210,000    245,000    285,000   327,630
01-Jan-1130-Sep-1113.55%108,000    117,000128,000  142,000160,000183,000213,000251,000298,000356,000
01-Oct-1131-Dec-1112.68%107,000    115,000125,000  138,000155,000176,000202,000235,000277,000330,000
01-Jan-1231-Mar-1211.90%105,500    112,000120,000  131,000146,000166,000191,000222,000260,000308,000
01-Apr-1230-Jun-1212.33%107,000    115,000125,000  138,000155,000176,000202,000234,000273,000320,000
01-Jul-1226-Aug-1212.68%107,000    115,000125,000  138,000155,000176,000202,000235,000277,000330,000
27-Aug-1211-Oct-1211.50%107,000    115,000124,000  135,000148,000165,000187,000215,000251,000297,000
12-Oct-1231-Dec-1211.04%106,000    113,000121,000  131,000144,000161,000182,000208,000242,000285,000
01-Jan-1330-Jun-1310.84%106,000    113,000121,000  131,000144,000160,000180,000205,000238,000280,000
01-Jul-1330-Sep-1310.36%106,000    113,000121,000  130,000140,000153,000170,000192,000224,000268,000
01-Oct-1331-Dec-1311.61%106,000    113,000122,000  133,000147,000164,000185,000210,000245,000300,000
01-Jan-1430-Sep-1412.26%106,000    113,000122,000  134,000149,000168,000192,000223,000264,000318,000
01-Oct-1430-Nov-1412.75%106,000    113,000122,000  134,000150,000171,000198,000233,000277,000332,000
01-Dec-1431-Jan-1511.08%106,000    113,000121,000  131,000144,000161,000182,000208,000242,000286,000
01-Feb-1531-Mar-159.50%105,000    111,000117,000  124,000133,000145,000162,000184,000212,000248,000
01-Apr-1531-May-158.92%105,000    111,000118,000  126,000135,000146,000160,000178,000203,000235,000
01-Jun-1531-Jul-158.68%105,000    111,000118,000  126,000135,000146,000160,000178,000201,000230,000
01-Aug-1530-Sep-159.15%105,000    111,000118,000  126,000135,000146,000160,000178,000204,000240,000
01-Oct-1530-Nov-158.87%105,000    111,000118,000  126,000135,000146,000160,000178,000202,000234,000
01-Dec-1531-Jan-168.68%105,000    111,000118,000  126,000135,000146,000160,000178,000201,000230,000
01-Feb-1631-Mar-168.40%105,000    111,000118,000  126,000135,000146,000159,000175,000196,000224,000
01-Apr-1631-May-167.80%105,000    111,000118,000  126,000135,000145,000157,000172,000190,000212,000
01-Jun-16Till Date7.70%105,000    111,000118,000  126,000135,000145,000157,000171,000188,000210,000

 

Note:  The above payable amounts have been worked out on Rs.100,000/-.

You can easily calculate your investment by dividing the relevant amount of the

PROFIT RATES – SPECIAL SAVINGS CERTIFICATES (SSCR)

Historical Rates Remained Applicable On Special Savings Certificates (Regd.)/

Accounts From 13th November, 1996 Onwards

 

Effective Period Periodical Profits On Investment of Each Rs.100,000/- After Completion Of
FromTo06- Months01-Year1/2 Year2 Years1/2 Years03-Years
13-Nov-9613-May-99Rate (% p.a.)16.00%16.00%16.00%16.00%16.00%18.00%
Profit (PKR)            8,000.00            8,000.00            8,000.00            8,000.00            8,000.00            9,000.00
14-May-9931-Dec-99Rate (% p.a.)14.00%14.00%14.00%14.00%14.00%16.00%
Profit (PKR)            7,000.00            7,000.00            7,000.00            7,000.00            7,000.00            8,000.00
01-Jan-0030-May-00Rate (% p.a.)12.00%12.00%12.00%12.00%12.00%14.00%
Profit (PKR)            6,000.00            6,000.00            6,000.00            6,000.00            6,000.00            7,000.00
31-May-0030-Jun-00Rate (% p.a.)12.00%12.00%12.00%12.00%12.00%14.00%
Profit (PKR)            6,000.00            6,000.00            6,000.00            6,000.00            6,000.00            7,000.00
01-Jul-0030-Jun-01Rate (% p.a.)11.00%11.00%11.00%11.00%11.00%12.00%
Profit (PKR)            5,500.00            5,500.00            5,500.00            5,500.00            5,500.00            6,000.00
01-Jul-0131-Dec-01Rate (% p.a.)12.20%12.20%12.20%12.20%12.20%13.20%
Profit (PKR)            6,100.00            6,100.00            6,100.00            6,100.00            6,100.00            6,600.00
01-Jan-0230-Jun-02Rate (% p.a.)12.20%12.20%12.20%12.20%12.20%13.20%
Profit (PKR)            6,100.00            6,100.00            6,100.00            6,100.00            6,100.00            6,600.00
01-Jul-0231-Dec-02Rate (% p.a.)10.30%10.30%10.30%10.30%10.30%11.30%
Profit (PKR)            5,150.00            5,150.00            5,150.00            5,150.00            5,150.00            5,650.00
01-Jan-0330-Jun-03Rate (% p.a.)8.50%8.50%8.50%8.50%8.50%9.50%
Profit (PKR)            4,250.00            4,250.00            4,250.00            4,250.00            4,250.00            4,750.00
01-Jul-0331-Dec-03Rate (% p.a.)7.50%7.50%7.50%7.50%7.50%8.50%
Profit (PKR)            3,750.00            3,750.00            3,750.00            3,750.00            3,750.00            4,250.00
01-Jan-0430-Jun-04Rate (% p.a.)7.00%7.00%7.00%7.00%7.00%8.00%
Profit (PKR)            3,500.00            3,500.00            3,500.00            3,500.00            3,500.00            4,000.00
01-Jul-0431-Dec-04Rate (% p.a.)6.80%6.80%6.80%6.80%6.80%7.70%
Profit (PKR)            3,400.00            3,400.00            3,400.00            3,400.00            3,400.00            3,850.00
01-Jan-0530-Jun-05Rate (% p.a.)6.80%6.80%6.80%6.80%6.80%7.70%
Profit (PKR)            3,400.00            3,400.00            3,400.00            3,400.00            3,400.00            3,850.00
01-Jul-0504-Jun-06Rate (% p.a.)8.40%8.40%8.40%8.40%8.40%9.60%
Profit (PKR)            4,200.00            4,200.00            4,200.00            4,200.00            4,200.00            4,800.00
05-Jun-0622-Jun-07Rate (% p.a.)9.00%9.00%9.00%9.00%9.00%10.00%
Profit (PKR)            4,500.00            4,500.00            4,500.00            4,500.00            4,500.00            5,000.00
23-Jun-0723-Jun-08Rate (% p.a.)9.00%9.00%9.00%9.00%9.00%10.50%
Profit (PKR)            4,500.00            4,500.00            4,500.00            4,500.00            4,500.00            5,250.00
 24-Jun-0830-Sep-08Rate (% p.a.)11.00%11.00%11.00%11.00%11.00%12.50%
Profit (PKR)5,500.005,500.005,500.005,500.005,500.006,250.00
01-Oct-0831-Nov-08Rate (% p.a.)12.8%12.8%12.8%12.8%12.8%14%
Profit (PKR)640064006400640064007000.00
01-Dec-0831-Mar-09       
Profit (PKR)720072007200720072007600.00
01-Apr-0930-Jun-09       
Profit (PKR)650065006500650065007100.00
01-Jul-0930-Sep-10       
Profit (PKR)580058005800580058006000.00
01-Oct-1031-Dec-10Rate (% p.a.)12%12%12%12%12%12.80%
Profit (PKR)600060006000600060006400
01-Jan-1130-Sep-11Rate (% p.a.)13.20%13.20%13.20%13.20%13.20%14.00%
Profit (PKR)660066006600660066007000
01-Oct-1131-Dec-11Rate (% p.a.)12.40%12.40%12.40%12.40%12.40%13.00%
Profit (PKR)620062006200620062006500
01-Jan-1231-Mar-12Rate (% p.a.)11.60%11.60%11.60%11.60%11.60%12.00%
Profit (PKR)580058005800580058006000
01-Apr-1230-Jun-12Rate (% p.a.)11.80%11.80%11.80%11.80%11.80%12.20%
Profit (PKR)590059005900590059006100
01-Jul-1226-Aug-12Rate (% p.a.)11.90%11.90%11.90%11.90%11.90%12.60%
Profit (PKR)595059505950595059506300
27-Aug-1211-Oct-12Rate (% p.a.)10.70%10.70%10.70%10.70%10.70%11.30%
Profit (PKR)535053505350535053505650
12-Oct-1231-Dec-12Rate (% p.a.)9.90%9.90%9.90%9.90%9.90%10.50%
Profit (PKR)495049504950495049505250
01-Jan-1330-Jun-13Rate (% p.a.)9.70%9.70%9.70%9.70%9.70%10.30%
Profit (PKR)485048504850485048505150
01-Jul-1330-Sep-13Rate (% p.a.)8.80%8.80%8.80%8.80%8.80%9.50%
Profit (PKR)440044004400440044004750
01-Oct-1331-Dec-13Rate (% p.a.)10.60%10.60%10.60%10.60%10.60%11.50%
Profit (PKR)530053005300530053005750
01-Jan-1430-Sep-14Rate (% p.a.)11.40%11.40%11.40%11.40%11.40%12.00%
Profit (PKR)570057005700570057006000
01-Oct-1430-Nov-14Rate (% p.a.)11.60%11.60%11.60%11.60%11.60%13.40%
Profit (PKR)580058005800580058006700
01-Dec-1431-Jan-15Rate (% p.a.)9.60%9.60%9.60%9.60%9.60%11.20%
Profit (PKR)480048004800480048005600
01-Feb-1531-Mar-15Rate (% p.a.)8.20%8.20%8.20%8.20%8.20%9.70%
Profit (PKR)410041004100410041004850
01-Apr-1531-May-15Rate (% p.a.)7.60%7.60%7.60%7.60%7.60%8.80%
Profit (PKR)380038003800380038004400
01-Jun-1531-Jul-15Rate (% p.a.)6.80%6.80%6.80%6.80%6.80%8.00%
Profit (PKR)340034003400340034004000
01-Aug-1530-Sep-15Rate (% p.a.)7.40%7.40%7.40%7.40%7.40%8.80%
Profit (PKR)370037003700370037004400
01-Oct-1530-Nov-15Rate (% p.a.)6.80%6.80%6.80%%6.80%6.80%8.00%
Profit (PKR)340034003400340034004000
01-Dec-1531-Jan-16Rate (% p.a.)6.40%6.40%6.40%%6.40%6.40%7.60%
Profit (PKR)320032003200320032003800
01-Feb-1631-Mar-16Rate (% p.a.)6.00%6.00%6.00%%6.00%6.00%6.80%
Profit (PKR)300030003000300030003400
01-Apr-1631-May-16Rate (% p.a.)6.00%6.00%6.00%%6.00%6.00%6.40%
Profit (PKR)300030003000300030003200
01-Jun-16Till DateRate (% p.a.)6.00%6.00%6.00%%6.00%6.00%6.80%
Profit (PKR)300030003000300030003400

Note:  The above payable amounts have been worked out on Rs.100,000/-.  You can easily calculate your investment by

dividing the relevant amount of the table with 100,000 and then multiplying with the amount you have invested.

 

PROFIT RATES  – REGULAR INCOME CERTIFICATES (RIC)

Historical Rates Remained Applicable On Regular Income Certificates From 13th November, 1996 Onwards

Effective PeriodMonthly Profit
on Each
Rs.100,000/-

(Rs)

Rate
(% p.a.)
FromTo
13-Nov-9606-Jan-971,300.0015.60%
07-Jan-9713-May-991,500.0018.00%
14-May-9931-Dec-991,333.0016.00%
01-Jan-0030-Jun-001,166.6614.00%
01-Jul-0030-Jun-021,040.0012.48%
01-Jul-0231-Dec-02880.0010.56%
01-Jan-0330-Jun-03760.009.12%
01-Jul-0331-Dec-03640.007.68%
01-Jan-0430-Jun-04580.006.96%
01-Jul-0431-Dec-04570.006.84%
01-Jan-0530-Jun-05570.006.84%
01-Jul-0504-Jun-06740.008.88%
05-Jun-0622-Jun-07770.009.24%
23-Jun-0723-Jun-08795.009.54%
24-Jun-0830-Sep-08960.0011.52%
01-Oct-0830-Nov-081108.0013.30%
01-Dec-0831-03-091250.0015.00%
01-Apr-0930-Jun-091133.0013.60%
01-Jul-0930-Sep-101000.0012.00%
01-Oct-1031-Dec-101030.0012.36%
01-Jan-1130-Sep-111120.0013.44%
01-Oct-1131-Dec-111050.0012.60%
01-Jan-1231-Mar-12980.0011.76%
01-Apr-1230-Jun-121010.0012.12%
01-Jul-1226-Aug-121030.0012.36%
27-Aug-1211-Oct-12920.0011.04%
12-Oct-1231-Dec-12880.0010.56%
01-Jan-1330-Jun-13864.0010.36%
01-Jul-1330-Oct-13790.009.48%
01-Oct-1331-Dec-13935.0011.22%
01-Jan-1430-Sep-14990.0011.88%
01-Oct-1430-Nov-141025.0012.30%
01-Dec-1431-Jan-15846.0010.15%
01-Feb-1531-Mar-15746.008.952%
01-Apr-1531-May-15686.008.232%
01-Jun-1531-Jul-15634.007.608%
01-Aug-1530-Sep-15710.008.52%
01-Oct-1530-Nov-15654.007.848%
01-Dec-1531-Jan-16628.007.536%
01-Feb-1631-Mar-16592.007.104%
01-Apr-1631-May-16552.676.632%
01-Jun-16Till Date546.006.552%

 

Note:    The above monthly profit has been worked out on Rs.100,000/-.

You can easily calculate profit on your investment by

dividing the relevant amount of the table with 100,000 and then multiplying with the amount you have invested.

 

 

ROFIT RATES  – BAHBOOD SAVINGS CERTIFICATES (BSC)

Rates Applicable On Bahbood Savings Certificates

Effective PeriodMonthly Profit
on Each
Rs.100,000/-

(Rs)

Rate
(% p.a.)
FromTo
01-Jul-0330-Jun-05  Rs. 840.0010.08%
01-Jul-0504-Jun-06  Rs. 920.0011.04%
05-Jun-0622-Jun-07  Rs. 960.0011.52%
23-Jun-0723-Jun-08  Rs. 970.0011.64%
24-Jun-0830-Sep-08  Rs. 1130.0013.56%
01-Oct-0830-Nov-08  Rs. 1250.0015.00%
01-Dec-0831-Mar-09  Rs. 1400.0016.80%
01-Apr-0930-Jun-09  Rs. 1342.0016.10%
01-Jul-0930-Sep-10  Rs. 1180.0014.16%
01-Oct-1031-Dec-10  Rs. 1220.0014.64%
01-Jan-1130-Sep-11  Rs. 1280.0015.36%
01-Oct-1131-Dec-11  Rs. 1200.0014.40%
01-Jan-1231-Mar-12  Rs. 1155.0013.86%
01-Apr-1230-Jun-12  Rs. 1190.0014.28%
01-Jul-1226-Aug-12  Rs. 1220.0014.64%
27-Aug-1211-Oct-12  Rs. 1125.0013.50%
12-Oct-1231-Dec-12  Rs. 1080.0012.96%
01-Jan-1330-Jun-13  Rs. 1060.0012.72%
01-Jul-1330-Sep-13  Rs. 1020.0012.24%
01-Oct-1331-Dec-13  Rs. 1120.0013.44%
01-Jan-1430-Nov-14  Rs. 1170.0014.04%
01-Dec-1431-Jan-15  Rs. 1060.0012.72%
01-Feb-1531-Mar-15  Rs. 940.0011.28%
01-Apr-1531-May-15  Rs. 900.0010.80%
01-Jun-1531-Jul-15  Rs. 880.0010.56%
01-Aug-1530-Sep-15  Rs. 920.0011.04%
01-Oct-1530-Nov-15  Rs. 900.0010.80%
01-Dec-1531-Jan-16  Rs. 880.0010.56%
01-Feb-1631-Mar-16  Rs. 860.0010.32%
01-Apr-16Till Date  Rs. 800.009.60%

Note:    The above monthly profit has been worked out on Rs.100,000/-.  You can easily calculate profit on your investment

by dividing the relevant amount of the table with 100,000 and then multiplying with the amount you have invested.

PROFIT RATES – SPECIAL SAVINGS CERTIFICATES (SSCR)

Historical Rates Remained Applicable On Special Savings Certificates

(Regd.)/ Accounts From 13th November, 1996 Onwards

Effective Period Periodical Profits On Investment of Each Rs.100,000/- After Completion Of
FromTo06- Months01-Year1/2 Year2 Years1/2 Years03-Years
13-Nov-9613-May-99Rate (% p.a.)16.00%16.00%16.00%16.00%16.00%18.00%
Profit (PKR)            8,000.00            8,000.00            8,000.00            8,000.00            8,000.00            9,000.00
14-May-9931-Dec-99Rate (% p.a.)14.00%14.00%14.00%14.00%14.00%16.00%
Profit (PKR)            7,000.00            7,000.00            7,000.00            7,000.00            7,000.00            8,000.00
01-Jan-0030-May-00Rate (% p.a.)12.00%12.00%12.00%12.00%12.00%14.00%
Profit (PKR)            6,000.00            6,000.00            6,000.00            6,000.00            6,000.00            7,000.00
31-May-0030-Jun-00Rate (% p.a.)12.00%12.00%12.00%12.00%12.00%14.00%
Profit (PKR)            6,000.00            6,000.00            6,000.00            6,000.00            6,000.00            7,000.00
01-Jul-0030-Jun-01Rate (% p.a.)11.00%11.00%11.00%11.00%11.00%12.00%
Profit (PKR)            5,500.00            5,500.00            5,500.00            5,500.00            5,500.00            6,000.00
01-Jul-0131-Dec-01Rate (% p.a.)12.20%12.20%12.20%12.20%12.20%13.20%
Profit (PKR)            6,100.00            6,100.00            6,100.00            6,100.00            6,100.00            6,600.00
01-Jan-0230-Jun-02Rate (% p.a.)12.20%12.20%12.20%12.20%12.20%13.20%
Profit (PKR)            6,100.00            6,100.00            6,100.00            6,100.00            6,100.00            6,600.00
01-Jul-0231-Dec-02Rate (% p.a.)10.30%10.30%10.30%10.30%10.30%11.30%
Profit (PKR)            5,150.00            5,150.00            5,150.00            5,150.00            5,150.00            5,650.00
01-Jan-0330-Jun-03Rate (% p.a.)8.50%8.50%8.50%8.50%8.50%9.50%
Profit (PKR)            4,250.00            4,250.00            4,250.00            4,250.00            4,250.00            4,750.00
01-Jul-0331-Dec-03Rate (% p.a.)7.50%7.50%7.50%7.50%7.50%8.50%
Profit (PKR)            3,750.00            3,750.00            3,750.00            3,750.00            3,750.00            4,250.00
01-Jan-0430-Jun-04Rate (% p.a.)7.00%7.00%7.00%7.00%7.00%8.00%
Profit (PKR)            3,500.00            3,500.00            3,500.00            3,500.00            3,500.00            4,000.00
01-Jul-0431-Dec-04Rate (% p.a.)6.80%6.80%6.80%6.80%6.80%7.70%
Profit (PKR)            3,400.00            3,400.00            3,400.00            3,400.00            3,400.00            3,850.00
01-Jan-0530-Jun-05Rate (% p.a.)6.80%6.80%6.80%6.80%6.80%7.70%
Profit (PKR)            3,400.00            3,400.00            3,400.00            3,400.00            3,400.00            3,850.00
01-Jul-0504-Jun-06Rate (% p.a.)8.40%8.40%8.40%8.40%8.40%9.60%
Profit (PKR)            4,200.00            4,200.00            4,200.00            4,200.00            4,200.00            4,800.00
05-Jun-0622-Jun-07Rate (% p.a.)9.00%9.00%9.00%9.00%9.00%10.00%
Profit (PKR)            4,500.00            4,500.00            4,500.00            4,500.00            4,500.00            5,000.00
23-Jun-0723-Jun-08Rate (% p.a.)9.00%9.00%9.00%9.00%9.00%10.50%
Profit (PKR)            4,500.00            4,500.00            4,500.00            4,500.00            4,500.00            5,250.00
 24-Jun-0830-Sep-08Rate (% p.a.)11.00%11.00%11.00%11.00%11.00%12.50%
Profit (PKR)5,500.005,500.005,500.005,500.005,500.006,250.00
01-Oct-0831-Nov-08Rate (% p.a.)12.8%12.8%12.8%12.8%12.8%14%
Profit (PKR)640064006400640064007000.00
01-Dec-0831-Mar-09       
Profit (PKR)720072007200720072007600.00
01-Apr-0930-Jun-09       
Profit (PKR)650065006500650065007100.00
01-Jul-0930-Sep-10       
Profit (PKR)580058005800580058006000.00
01-Oct-1031-Dec-10Rate (% p.a.)12%12%12%12%12%12.80%
Profit (PKR)600060006000600060006400
01-Jan-1130-Sep-11Rate (% p.a.)13.20%13.20%13.20%13.20%13.20%14.00%
Profit (PKR)660066006600660066007000
01-Oct-1131-Dec-11Rate (% p.a.)12.40%12.40%12.40%12.40%12.40%13.00%
Profit (PKR)620062006200620062006500
01-Jan-1231-Mar-12Rate (% p.a.)11.60%11.60%11.60%11.60%11.60%12.00%
Profit (PKR)580058005800580058006000
01-Apr-1230-Jun-12Rate (% p.a.)11.80%11.80%11.80%11.80%11.80%12.20%
Profit (PKR)590059005900590059006100
01-Jul-1226-Aug-12Rate (% p.a.)11.90%11.90%11.90%11.90%11.90%12.60%
Profit (PKR)595059505950595059506300
27-Aug-1211-Oct-12Rate (% p.a.)10.70%10.70%10.70%10.70%10.70%11.30%
Profit (PKR)535053505350535053505650
12-Oct-1231-Dec-12Rate (% p.a.)9.90%9.90%9.90%9.90%9.90%10.50%
Profit (PKR)495049504950495049505250
01-Jan-1330-Jun-13Rate (% p.a.)9.70%9.70%9.70%9.70%9.70%10.30%
Profit (PKR)485048504850485048505150
01-Jul-1330-Sep-13Rate (% p.a.)8.80%8.80%8.80%8.80%8.80%9.50%
Profit (PKR)440044004400440044004750
01-Oct-1331-Dec-13Rate (% p.a.)10.60%10.60%10.60%10.60%10.60%11.50%
Profit (PKR)530053005300530053005750
01-Jan-1430-Sep-14Rate (% p.a.)11.40%11.40%11.40%11.40%11.40%12.00%
Profit (PKR)570057005700570057006000
01-Oct-1430-Nov-14Rate (% p.a.)11.60%11.60%11.60%11.60%11.60%13.40%
Profit (PKR)580058005800580058006700
01-Dec-1431-Jan-15Rate (% p.a.)9.60%9.60%9.60%9.60%9.60%11.20%
Profit (PKR)480048004800480048005600
01-Feb-1531-Mar-15Rate (% p.a.)8.20%8.20%8.20%8.20%8.20%9.70%
Profit (PKR)410041004100410041004850
01-Apr-1531-May-15Rate (% p.a.)7.60%7.60%7.60%7.60%7.60%8.80%
Profit (PKR)380038003800380038004400
01-Jun-1531-Jul-15Rate (% p.a.)6.80%6.80%6.80%6.80%6.80%8.00%
Profit (PKR)340034003400340034004000
01-Aug-1530-Sep-15Rate (% p.a.)7.40%7.40%7.40%7.40%7.40%8.80%
Profit (PKR)370037003700370037004400
01-Oct-1530-Nov-15Rate (% p.a.)6.80%6.80%6.80%%6.80%6.80%8.00%
Profit (PKR)340034003400340034004000
01-Dec-1531-Jan-16Rate (% p.a.)6.40%6.40%6.40%%6.40%6.40%7.60%
Profit (PKR)320032003200320032003800
01-Feb-1631-Mar-16Rate (% p.a.)6.00%6.00%6.00%%6.00%6.00%6.80%
Profit (PKR)300030003000300030003400
01-Apr-1631-May-16Rate (% p.a.)6.00%6.00%6.00%%6.00%6.00%6.40%
Profit (PKR)300030003000300030003200
01-Jun-16Till DateRate (% p.a.)6.00%6.00%6.00%%6.00%6.00%6.80%
Profit (PKR)300030003000300030003400

 

Note:  The above payable amounts have been worked out on Rs.100,000/-.  You can easily calculate your investment by

dividing the relevant amount of the table with 100,000 and then multiplying with the amount you have invested.

 

PROFIT RATES  – PENSIONERS BENEFIT ACCOUNT

Rates Applicable On Pensioners’ Benefit Account

Effective PeriodMonthly Profit
on Each
Rs.100,000/-
Rate
(% p.a.)
FromTo
20-Jan-0330-Jun-03  Rs. 920.0011.04%
01-Jul-0330-Jun-05  Rs. 840.0010.08%
01-Jul-0504-Jun-06  Rs. 920.0011.04%
05-Jun-0622-Jun-07  Rs. 960.0011.52%
23-Jun-0723-Jun-08  Rs. 970.0011.64%
24-Jun-0830-Sep-08  Rs. 1130.0013.56%
01-Oct-0830-Nov-08  Rs. 1250.0015.00%
01-Dec-0831-Mar-09  Rs. 1400.0016.80%
01-Apr-0930-Jun-09  Rs. 1342.0016.10%
01-Jul-0930-Sep-10  Rs. 1180.0014.16%
01-Oct-1031-Dec-10  Rs. 1220.0014.64%
01-Jan-1130-Sep-11  Rs. 1280.0015.36%
01-Oct-1131-Dec-11  Rs. 1200.0014.40%
01-Jan-1231-Mar-12  Rs. 1155.0013.86%
01-Apr-1230-Jun-12  Rs. 1190.0014.28%
01-Jul-1226-Aug-12  Rs. 1220.0014.64%
27-Aug-1211-Oct-12  Rs. 1125.0013.50%
12-Oct-1231-Dec-12  Rs. 1080.0012.96%
01-Jan-1330-Jun-13  Rs. 1060.0012.72%
01-Jul-1330-Sep-13  Rs. 1020.0012.24%
01-Oct-1331-Dec-13  Rs. 1120.0013.44%
01-Jan-1430-Nov-14  Rs. 1170.0014.04%
01-Dec-1431-Jan-15  Rs. 1060.0012.72%
01-Feb-1531-Mar-15  Rs. 940.0011.28%
01-Apr-1531-May-15  Rs. 900.0010.80%
01-Jun-1531-Jul-15  Rs. 880.0010.56%
01-Aug-1530-Sep-15  Rs. 920.0011.04%
01-Oct-1530-Nov-15  Rs. 900.0010.80%
01-Dec-1531-Jan-16  Rs. 880.0010.56%
01-Feb-1631-Mar-16  Rs. 860.0010.32%
01-Apr-16Till Date  Rs. 800.009.60%

 

Note:    The above monthly profit has been worked out on Rs.100,000/-.  You can easily calculate profit on your investment by

dividing the relevant amount of the table with 100,000 and then multiplying with the amount you have invested.

 

306 Comments

  1. ali khan

    I am overseas pak, has anybody got any good recommendations for investment retur, reading the ‘short change’ comments It does not make me realy feel like investing in pakistani bank, are the banks free of corruption? aor are they like the islamabad airport?

  2. Hasan Zaheer

    Hey.

    I have a simple query.

    The profit paid on RIC, Regular Income Certificate, is divided into different periods or it stays the same throughout till maturity?
    For example, when I purchase the certificate (let’s say in Nov, 2012) the rate was 12.60%. Rate was changed in Jan 2013, then again many times till now.

    If I have not taken out any profit, my total profit after THREE years will be (100,000 * (12.6/100) * 3)

    OR

    will it be (100,00 * 12.6/100 * (3/12)) {for first year} + (100,00 * 11.76/100 * 3/12) {for the next three months} …. and so on.

    1. WAZIR A SHAIKH

      Salam
      I don’t under stand when you Recived your profit they no Give you any how much they cut your withholding tex How much your Porift are
      WAZIR A SHAIKH

  3. Javaid Bashir

    I am glad that i invested in National Savings Scheme. The recent increase in profits on the Saving Certificates a welcome move. We must appreciate the government for taking into consideration the investment in these great Schemes. It will be beneficial for the investors and the government.

    We must encourage the culture of Savings in Pkistan. We lag behind third world countries. Provision of such excellent Investment Scheme for the middle class economic groups is a wise step.

  4. Mrs. Peter

    Hi,

    My sister lives abroad and has purchased BS Certificates for our mother who receives her monthly amount, my question is after death how will my sister get all the money because only my sister’s name are on the paper no contact number or address or her NIC copy. does she needs to make a will or how does it work.

    1. Reply from Javed
      Your information is wrong. In 1990 through a Public Interest Litigation I approached the Supreme Court of Pakistan pleading that a lot was lying unclaimed in banks of those who opened for many social reasons bank accounts secretly from their families and in case of sudden death the families do not know about such accounts. I did not say this just as a story but had seen many families suffering. The Honourable SC accepted my plea and banks were asked to declare through press such accounts. The Banks did it and one can find lists of such accounts on net today. At the same time through another petition I suggested amendment in the account opening Forms to safeguard from becoming such accounts “dead with the death of account holder”. My this petition was also accepted and my drafted and suggested amendment was incorporated by all banks, post offices and national savings.

      Mrs. Peter your information is either wrong or confused. My experience is story is something else.

      Your story is your “sister purchased” and her mother was receiving monthly profit. Your sister must had purchased but may be in the name of her mother hence mother was receiving profit. Or your sister must had opened account jointly with the mother that is why mother was receiving profit. It is not in “normal” case possible that certificates were in the name of your sister and mother was receiving profit from national savings center.

      Secondly, you are totally wrong that on the Account Opening or Purchase of BSCs Form there is only name of your sister. It is not possible. Without both foreign and local Pakistan address no account is opened.

      Thirdly there is definitely, repeated invariably, a clause in the Form wherein the purchaser nominates a person as his/heir. And your sister had done it.

      Your story is confused. You say “after the death”. You did not, perhaps for obvious reasons, mention whose death? Mother’s or purchaser (your sister).

      There are loopholes in your story.

      A legal heir or a nominated nominee whatever the case may be very easily through a very simple process gets back the invested money.

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